Tuwen ‖ served as the government of the dynasty
Hidemizu Takakawa contains "Tianchi". Tianchi Village, Gaochuan Township, located in the northwest of Anzhou District, Mianyang City, is surrounded by mountains and lush forests, which is a beautiful place. In recent months, in the midst of this reckless mountain, a group of figures carrying satchels, three or two groups of flashlights melted into the vast night, walked into the lights of the wooden buildings deep in the mountains, talked cordially with farmers, and brought high-quality and convenient financial services to farmers. This is a microcosm of the Practice of Financial Inclusion by the Gaochuan Branch of Mianyang Rural Commercial Bank.
Along the rugged mountain road, in mid-December, Li Lihong, president of the Xiushui Branch of Mianyang Rural Commercial Bank, personally drove his reporter and his party into Tianchi Village, Gaochuan Township, at an altitude of 1,260 meters above sea level. Looking around, a series of Pieces of Chinese medicinal herbs are planted all over the hillside, and the wooden houses of the unified style are lined up one after another, with a unique style...
"Most of the wooden buildings here were built after the 2008 earthquake, when this was the hardest hit area, one of my uncles and cousins was buried forever in the mudslide, and in the earthquake that year, the employees of the Takakawa branch used their backs to carry cash and risked their lives to trek tens of kilometers to send money to safety..." Looking at the misty Eagle Tsui Cliff in front of him, Li Luhong could not look back.
"This used to be the '152' defence base, which was only withdrawn in 1994. I worked at the Takakawa Credit Union for ten years, Takakawa Township has a radius of more than 170 square kilometers, and there are only 4 people in the credit union. In this deep mountain, there are old people who have never stepped out of the mountains in their entire lives. Tan Qiang, vice president of the Xiushui sub-branch of the same industry, was also overwhelmed with emotion.
Feng Nanqin, account manager of the Takakawa branch, quipped, hey, when I first drove up, ten toes were tight. This road, the curves are steep, one after another heavy-duty trucks carefully crawl in the winding mountains, encounter bends and downhill places, often need the wrong car, afraid that the ore on the big car will fall down or in case the brakes are not good, in hindsight, it is still frightening.
At more than 10:00 a.m., after more than an hour of arduous trek, our car finally drove into the village gate, and Huang Qingheng, deputy secretary of the party branch and director of the village committee of Tianchi Village, waited in the courtyard early.
Except for the transport trucks that came and went in the village, I didn't see many people. Huang Qingheng said that in recent years, 90% of the village meetings can only be held at night, generally only on rainy days, there are people at home, and the villagers are busy planting Huanglian on the mountain. Some growers don't come back at night and just build sheds on the hill. This year, the largest one in the village sold more than 800,000 yuan, and the current price of dry goods is 136-138/kg.
"At present, the main industry of the village is the planting of traditional Chinese medicinal materials under the forest, of which Huanglian plants more than 8,000 mu, more than 2,000 mu of heavy buildings, more than 2,000 mu of other Sanmu medicinal materials, almost 90% of the farmers in the village are involved in the planting of Chinese medicinal materials, and in 2021, Huanglian in Tianchi Village is expected to harvest more than 100 tons, and the market economy is worth more than 20 million yuan." At present, with the support of the Rural Commercial Bank's agricultural E loan, the villagers' enthusiasm for planting Huanglian is getting higher and higher. Huang Qingheng told reporters.
With an average altitude of 1600 meters, Tianchi Village has unique natural conditions suitable for the cultivation of Chinese medicinal materials, and Tianchi Village also makes perfect use of the advantages brought by this magical land. In recent years, under the leadership of the local government, the villagers have read the ecological "mountain" character classic, continuously adjusted the industrial structure, transferred from traditional planting industry to characteristic Chinese medicinal material planting industry, because of good quality, stable output, has not worried about sales, Huanglian planting has become a well-off industry in Tianchi Village, and the development path is getting wider and wider.
Talking about the fate of the Takakawa sub-branch and Tianchi Village, it actually originated from an interview with Li Luhong. Among the many outlets of Mianyang Rural Commercial Bank, Gaochuan Branch is the most remote and difficult.
On August 2, when Li Luhong, president of the Xiushui branch, went to the Gaochuan branch to guide the flood prevention work (the Gaochuan branch was under the jurisdiction of the second-level branch of the Xiushui branch of the first-level branch), he went to visit several villagers by the way, and learned that Li Qingqing of Tianchi Village wanted to plant Huanglian but was suffering from lack of sufficient funds, wanted to take out a loan and was afraid of running away too troublesome, Li Luhong immediately came up with an "idea", he said, "Now our wisdom bank construction is not the introduction of smart agricultural loans, mobile phones can be handled, the people will not, we will go to the door to teach one household at a time." ”
On August 10, the account manager of Gaochuan Sub-branch came to the door to handle a smart agricultural loan of 100,000 yuan for Li Qingqing.
Taking this as an opportunity, the Gaochuan Sub-branch launched the credit rating and credit granting work of the whole village in the whole township this year.
Considering the long planting cycle of Huanglian, it takes about 6 years from planting to harvesting, although some villagers who started planting in the early days can generate income and maintain the basic planting scale by relying on the cycle mode of "planting-selling-buying-planting", but it has greatly slowed down its development speed, restricted its expansion scale, and blocked out the threshold for some villagers who are willing to plant Huanglian but face financial difficulties. The Takakawa sub-branch designated Tianchi Village as the first stop in the credit rating work of the whole village.
The rating and credit of the whole village should be a very common thing for the general financial institutions, but for several rural credit people in the Gaochuan branch, they have different experiences and perceptions.
Feng Nanqin, account manager of Gaochuan Branch, truthfully recorded his experience and experience in going to the countryside in his diary:
"After the start of the rating and credit granting work in the whole village, the biggest difficulty and the happiest thing faced by the cadres and employees of the Gaochuan branch was that the villagers in Tianchi Village were too industrious. The difficulty is that the villagers are too industrious, resulting in tianchi village during the day there is basically no one at home, and the staff of the Takakawa branch cannot visit house by house for rating and credit during working hours, and can only use the evening time to go up the mountain with a flashlight to visit. The good news is that the villagers are too industrious, and only by working tirelessly and not being afraid of tiredness can they really do a good job in agricultural production. ”
In view of this special situation, the Gaochuan sub-branch quickly adjusted the working hours of the rating credit, decided to arrange for the account manager to visit and credit the credit one by one after the customer returned home after returning home from farm work in the evening, and repeatedly stressed the need to "do a solid job in the rating credit work, and should be granted to the fullest", so that more villagers can get benefits and enjoy the high-quality financial services and financial products brought by the rating credit of the whole village.
"Let the people run less errands, let the system run more roads, for the growers in this village, we all support, no mortgage." Li Luhong said that the people here are actually really simple, very credit-oriented, as long as they have money, they want to repay the loan, afraid of owing money to the state, they now buy a house is basically the full amount. Now the loan is simple, face-to-face loans, mobile phones on the agricultural E loan, we put 4 million last month, are account managers door-to-door service, very convenient.
In December 2021, the account manager of Gaochuan Sub-branch learned about the financial needs of Wang Junjian, a large planter in Tianchi Village, Gaochuan Township, to expand the scale of chinese herbal medicine planting, visited the door at the first time, and wrote a detailed investigation report. Under the premise of compliance, in a short period of time, Wang Junjian was granted a credit of 1.9 million yuan and a credit loan of 1.7 million yuan was issued, which can help the household expand the planting scale of 80 mu. At the same time, we will implement lower interest rates and do our best to reduce the production costs and production pressures of growers.
Near noon, our interview team dined at the home of a farmer in Liyi. The boss is Wei Yan, a villager in the fourth group of Tianchi Village, who has the same name as Wei Yan, a fierce general during the Three Kingdoms period. He said that his family has planted eighty or ninety acres, and next year's harvest is expected, and the income of 300,000 is expected to be stable. Usually, the two children are planting huanglian in the mountains, and they are also engaged in tourism reception in their own farm yard, and the baby is studying in Huaxing Town, planning to save enough money to buy a house. According to this year's price calculation, by the peak period, this land is estimated to earn about 3 million yuan, and it is not worrying to buy a house.
"The credit union supports your loan, you meet this condition of the public official loan, the interest can be reduced to a minimum, you can do credit loans, first buy the house, there are 80 acres of yellow lian as a backer, are you still worried about not being able to pay it back?" Li Luhong took over the topic.
Sitting in the courtyard of Wei Yan's house, a seat of people was drinking tea while swinging the dragon gate array. We learned that Wang Jiakun, the secretary of the village branch, is the leader of the village's huanglian plantation, and now he has handed over the land transferred to the people for cultivation free of charge. There was once a poor family in the village named Deng Jianshu, who helped Wang Jiakun guard the mountain seven or eight years ago, and later followed the cultivation of Huanglian, and now there are more than 1 million.
After lunch, Zhao Tianyou, a big planter in the village, took us up the mountain to visit his Huanglian planting base.
"I used to be a private teacher, and when I returned to the village as a cadre in 2000, the people asked me to come back. I personally feel that the development trend of Agriculture in China is the development of family farms. It takes six years to harvest, and it takes more than 10,000 yuan to invest an acre of land, and it takes eight years before and after. Along the winding mountain road, Zhao Tianyou introduced himself to reporters while driving.
"This road was made by using a group of young people with steel brazes and sledgehammers meter by meter, and it took five years to build the road alone."
In the mountainside of the roadside, there are some beehives scattered from time to time. "I have taken more than 200 kilograms of honey this year, and the market price is 120 to 150 yuan a kilogram, all of which are pure wild yellow cedar and honeysuckle nectar."
"The hillside land opposite is contracted by my family, and more than 200 acres of huanglian have been planted at present, and the contract period is 50 years." The huanglian planted in this land has been planted for two years, and it will be harvested in three years. Most of my workers are women in their fifties and sixties, with a salary of 110 yuan / day, and it costs about 200,000 yuan to manually weed every year. All the capital turnover, all supported by the credit union, there are currently 230,000 loans, I have the deepest relationship with the credit union, relatives and friends are limited, it is the most difficult to find someone to borrow money. Zhao Tianyou, who has dealt with credit cooperatives (the predecessor of the Rural Commercial Bank) for many years, is not without emotion.
As of December 21, 2021, Gaochuan Sub-branch has granted credit to more than 50 households in Tianchi Village, with a credit amount of more than 15.5 million yuan, helping Tianchi Village in Gaochuan Township to go wider and wider on the road of characteristic agricultural industries, and the people's life is getting more and more prosperous.
On the occasion of leaving Tianchi Village, Huang Qingheng invited us to come back next year. He said that in the next step, Tianchi Village will adhere to the reality of the mountainous area, with huanglian and chonglou two major herbs and chinese medicinal materials planting as the mainstay, combined with rural tourism and the construction of happy and beautiful new villages, focus on exploring the theme of "Shen Yun Gaochuan, the hometown of medicinal materials", with "sightseeing + health + health" as the model, and make every effort to build a modern Chinese herbal medicine tourism agricultural system of "winter snow appreciation, summer summer escape, eating mountains, living in wooden buildings, and collecting medicinal materials". Build a Chinese herbal medicine planting eco-tourism health care industrial park and a traditional Chinese medicine health resort based on the existing Tianchi Village 10,000 mu Chinese herbal medicine industrial park.